Postbank • EUR
🔒 Secure redirect to Postbank, no obligation
Ingrid Schneider · Updated: 3 September 2026
Postbank offers Business Giro as a classic business account for self-employed professionals, freelancers, and companies of various legal forms. It's the entry-level option within Postbank's Business Giro family, which also includes the more feature-rich "Business Giro aktiv" and "Business Giro aktiv plus" plans.
Postbank is currently running a time-limited promotion across all three Business Giro plans: the monthly base fee is waived entirely until 31 December 2026. After that, Business Giro costs €12.90 per month according to the provider. This differs from the annual cost estimate of €192 (equivalent to €16 per month) recorded in the product data – likely because the extended fee-free promotion was introduced after the last data collection. For budgeting purposes, go with the provider's current figure: €0 until the end of 2026, then €12.90 per month.
Paperless online transactions cost €0.28 per item – this figure matches exactly between the product database and the provider's page. Paper-based offline orders (e.g. paper transfers), according to the product data, cost €3 per order. For an arranged overdraft, the data lists an interest rate of 9.95% (billed quarterly); a tolerated overdraft without prior agreement is not separately priced according to the data.
Business Giro includes the Postbank Business Card plus (debit card) – free in the first year, then €24 annually from the second year. A credit card is not included in this base plan; anyone who wants a Mastercard Business Card as well will find it in the higher-priced "Business Giro aktiv" plan.
Deposits are protected up to €100,000 through the Entschädigungseinrichtung deutscher Banken GmbH – the statutory German deposit protection scheme that all domestic banks belong to. Unlike pure digital providers, Business Giro can be managed not only online and via the app, but also by phone and in a branch. That can matter especially for businesses that occasionally deposit cash or want in-person advice on larger financing questions.
Business Giro is deliberately positioned as the entry-level plan: a lower base fee, higher per-item transaction costs (€0.28 versus €0.22 for "aktiv" or €0.12 for "aktiv plus"), and no credit card. For businesses with few monthly bookings and no need for a credit card, it's still the cheapest option within the Postbank family. Anyone with regularly higher transaction volumes or a need for a credit card should weigh the extra cost of the higher plans against the lower per-booking fee.
Neither the product data nor the provider's page gives concrete figures on the provider's own detailed target-group description or on any fees for international transfers outside the eurozone. Anyone who needs these details for their decision should ask Postbank directly before signing up.
Business Giro is broadly aimed at freelancers, sole proprietorships, sole traders, GmbHs, GbRs, non-trading partnerships, and UGs (haftungsbeschränkt). It suits businesses with manageable transaction volumes who value an established bank with in-person branch advice – alongside online banking and the app, Postbank also offers phone support and physical branches. Deposits are protected up to €100,000 through the Entschädigungseinrichtung deutscher Banken GmbH (the German deposit compensation scheme).
Postbank Business Giro is a solid basic account for business customers who value an established institution with a branch network. Thanks to the current promotion, account management is free until the end of 2026, after which €12.90 per month applies. Anyone making frequent paper transfers should keep the €3 offline fee in mind and consider switching to online bookings, which are considerably cheaper at €0.28.
✓ Pros
✕ Cons